The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,193
−HK$1,580/mo
▼ 0.25% · 3.875%
HK$25,977
−HK$796/mo
Today · 4.125%
HK$26,773
baseline
▲ 0.50% · 4.625%
HK$28,402
+HK$1,629/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$53,546/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,027
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$28,779
−HK$763/mo
Today · 4.125%
HK$29,542
baseline
▲ 0.50% · 4.625%
HK$31,099
+HK$1,557/mo
Deposit HK$5.52M · loan HK$5.52M · min. income ≈ HK$59,084/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$414,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,232
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$31,173
−HK$955/mo
Today · 4.125%
HK$32,128
baseline
▲ 0.50% · 4.625%
HK$34,083
+HK$1,955/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$64,256/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,633
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$34,535
−HK$915/mo
Today · 4.125%
HK$35,450
baseline
▲ 0.50% · 4.625%
HK$37,319
+HK$1,869/mo
Deposit HK$4.42M · loan HK$6.63M · min. income ≈ HK$70,900/mo (50% DSR)
Upfront cash ≈ HK$4.83M (deposit + AVD stamp duty HK$414,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,271
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$36,368
−HK$1,115/mo
Today · 4.125%
HK$37,483
baseline
▲ 0.50% · 4.625%
HK$39,763
+HK$2,280/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$74,966/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,238
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$40,291
−HK$1,067/mo
Today · 4.125%
HK$41,358
baseline
▲ 0.50% · 4.625%
HK$43,538
+HK$2,180/mo
Deposit HK$3.31M · loan HK$7.73M · min. income ≈ HK$82,716/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$414,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,348
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,759
−HK$1,433/mo
Today · 4.125%
HK$48,192
baseline
▲ 0.50% · 4.625%
HK$51,124
+HK$2,932/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$96,384/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,449
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,802
−HK$1,373/mo
Today · 4.125%
HK$53,175
baseline
▲ 0.50% · 4.625%
HK$55,978
+HK$2,803/mo
Deposit HK$1.10M · loan HK$9.94M · min. income ≈ HK$106,350/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$414,320 · Scale 2, in force from 26 Feb 2026)